Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (6.0) profitability.
Asset Mix:
Securities (41%), home mtgs (6%), comm loans (3%), cash (3%), comm re (3%), consumer loans (3%), other (42%)
States with Branches:
ND
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Bottineau, Inc.
Investment Rating
--
Address
424 Main Street
Bottineau, ND 58318
Bottineau, ND 58318
Phone Number
(701) 228-2236
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.